Bybit Card 2026: Where You Can Actually Get It, and Why EU Cashback Dropped to a Flat 1%
TL;DR — Bybit Card advertises “up to 10% cashback”, but two facts decide what you actually get. First, there is no single Bybit Card — Bybit runs separate regional programmes, and bybit.com states plainly that its card is not for European Economic Area customers, who are served instead by a separate Bybit EU entity. Second, since August 4, 2026, ordinary non-VIP cardholders under Bybit EU no longer sit on the 2% Base tier at all: they earn a flat 1% with no monthly cap. That change is worse for light spenders and better for heavy ones, and the crossover point is exactly €/$500 a month.
Quick answer: check which programme covers you before anything else, because the rate you get depends on it. If you are an EEA resident and not a Bybit VIP, treat this as a 1% uncapped card with no annual fee, spending straight from your exchange balance. The 10% headline requires Supreme VIP status or $25,000 of card spend in a month, which is not a realistic target for personal use.
What This Guide Covers
- Where can you actually get a Bybit Card?
- Why did EU cardholders drop from 2% to 1%?
- Did the flat rate make you better or worse off?
- Fees, limits and the ATM allowance
- FAQ
Because availability is the first hurdle with this card, it is worth comparing against cards that publish their country lists plainly — we track that on Fat Cat Card’s Bybit page.
Where Can You Actually Get a Bybit Card?
This is the question to settle before reading anything about cashback rates, and it is messier than most reviews admit. Bybit does not operate one global card. Its help centre documents the card as a set of regional programmes, each with its own issuer, card network and currency. Checked September 20, 2026, the regions Bybit itself names are:
| Card region | Card type | Settlement currency |
|---|---|---|
| Argentina | Mastercard prepaid | ARS |
| AIFC · Georgia · Kazakhstan · Australia | Mastercard prepaid | USD |
| Mexico | Mastercard credit | MXN |
| Brazil | Mastercard credit | BRL |
| Peru | Visa prepaid | PEN · USD |
| Asia Pacific | Visa credit | USD |
| EEA and Switzerland | Served by a separate Bybit EU entity, not by bybit.com | |
Source: Bybit’s own card FAQ in its help centre, checked September 20, 2026. Bybit does not publish the country list that makes up the Asia Pacific region.
Two things follow from that table, and both are easy to get wrong. The first is the EEA split. The footer of bybit.com’s card page states that the product is not meant for European Economic Area customers and that EEA participation is strictly prohibited — EEA residents go through Bybit EU instead, which is why EEA cashback terms change on their own schedule. Several third-party comparison pages, and even an AI-generated article on Bybit’s own wiki, describe the EEA as this card’s core market; against the live product page, that is wrong.
The second is the gap where Asia Pacific sits. Bybit names it as a card region with its own Visa credit product, USD settlement and Google Pay support, but does not publish which countries it contains. So for most of Asia, including South Korea, the honest answer is that public documentation does not settle it — some third-party reviews list Korea as excluded, but they disagree with each other, and none of them cite a primary source.
There is one reliable way to find out, and it costs nothing: start an application and stop at step two. Bybit’s own guide says you select your country of residence there, and that if your country is not supported it simply registers your interest instead of proceeding. That screen is authoritative in a way that no review page is.
Worth separating two things that are easy to confuse: Bybit the exchange is accessible in many markets where Bybit Card is not. Having a funded Bybit account does not mean you can order the card.
Why Did EU Cardholders Drop From 2% to 1%?
On August 4, 2026, Bybit EU restructured cashback for its European cardholders. The published change is straightforward: non-VIP users in the EEA left the tiered ladder and moved to a flat 1% with no monthly cap. VIP holders kept the 2%–10% ladder, which still carries monthly caps by tier.
| Who you are | Rate | Cap |
|---|---|---|
| EEA (Bybit EU), no VIP status | 1% | None |
| Base tier (tiered programme) | 2% | $5 per month |
| Beta — VIP 1–2 or $500 card spend | 2% | By tier |
| Alpha / Apex / Omega | 4% / 6% / 8% | By tier |
| Infinite — Supreme VIP or $25,000 monthly card spend | 10% | By tier |
Tier requirements from Bybit’s rewards documentation; the EEA flat-rate change from Bybit EU’s own announcement. Bybit does not publish the exact cap figure for every VIP tier.
The detail almost every review skips is that $5 monthly cap on the Base tier. A 2% rate that stops paying after $5 means only the first $250 of monthly spend earned anything at all. “2% cashback” and “up to 10%” both describe a programme whose entry tier paid a maximum of $60 a year.
Did the Flat Rate Make You Better or Worse Off?
Because the old Base tier was capped and the new flat rate is not, the answer depends entirely on how much you spend. Comparing the two directly:
| Monthly card spend | Old Base: 2% capped at $5 | New EEA flat: 1% uncapped | Difference |
|---|---|---|---|
| $100 | $2.00 | $1.00 | −$1.00 |
| $250 | $5.00 (cap reached) | $2.50 | −$2.50 (worst case) |
| $500 | $5.00 | $5.00 | break-even |
| $1,000 | $5.00 | $10.00 | +$5.00 |
| $3,000 | $5.00 | $30.00 | +$25.00 |
Our own calculation from the published rates. Actual cashback depends on which transactions qualify.
The crossover is clean: spend under $500 a month and the old scheme paid more; spend over $500 and the new flat rate pays more, with no ceiling above it. The loss is capped at $2.50 a month and the gain is unlimited, which makes this a better deal than the headline drop from 2% to 1% suggests. It is also far simpler — no tier to track, no cap to bump against.
The one group that loses meaningfully is people who were chasing VIP tiers for card rewards alone. If you are not already a Bybit VIP for trading reasons, the ladder is not worth pursuing: $25,000 of monthly card spend to reach 10% is a business-scale number, not a personal one.
Fees, Limits and the ATM Allowance
| Item | Detail |
|---|---|
| Issuance / annual / inactivity fee | $0 |
| Foreign transaction fee | 0.5% in the EEA and Switzerland; higher in some other markets |
| ATM withdrawals | First $100 per month free, then 2% (minimum $1) |
| ATM daily limit | Around $500 |
| Spending limits | Up to $10,000 per day, $50,000 per month |
| Funding | Directly from your Bybit balance — USDT, USDC, BTC and others, converted at the point of sale |
Limits and fees as published in mid-2026 and checked September 20, 2026. Bybit adjusts these by region, so confirm the figures shown in your own app.
Two things stand out against the rest of this category. A 0.5% foreign transaction fee in the EEA is genuinely low — competitors sit at 1% to 3%, as we found when comparing KAST and Tria. And a free first $100 of ATM withdrawals each month is unusual; most stablecoin cards charge from the first withdrawal.
The structural trade-off is custody. This card spends from an exchange balance, so if your account is ever restricted the card stops with it. That is the opposite arrangement to a non-custodial card, and it is worth reading alongside our guide on what happens when an account is frozen while you are abroad.
For a side-by-side of current fees and country coverage across crypto cards, we maintain a comparison site at Fat Cat Card’s Bybit page, with the verification date on each figure. Disclosure: that site is ours and may contain referral links.
This article is informational and is not financial advice or a recommendation to obtain any card. Crypto assets can lose value, and responsibility for card issuance and usage rests with the user. It links to a comparison site operated by the author, which may earn a commission on sign-ups.
FAQ
Which countries can get a Bybit Card?
Bybit runs separate regional programmes: Argentina, AIFC, Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific, each with its own issuer and currency. The EEA and Switzerland go through a separate Bybit EU entity, and bybit.com says its own card is not for EEA customers.
Is Bybit Card available in South Korea?
Public documentation does not settle it. Bybit names Asia Pacific as a card region but never publishes the countries inside it, and third-party reviews contradict each other. Begin an application and stop at the country-of-residence step — if your country is unsupported, Bybit registers your interest instead of proceeding.
Why do EU users only get 1% cashback now?
On 4 August 2026 Bybit moved EEA non-VIP cardholders onto a flat 1% with no monthly cap. The old Base tier paid 2% but stopped at $5 a month, so the flat rate is worse below $500 of monthly spend and better above it.
Is 10% cashback on the Bybit Card realistic?
Not for personal spending. The 10% Infinite tier requires Supreme VIP status or $25,000 of card spend in one month, and VIP tiers carry their own caps.
What does the Bybit Card cost to use?
No issuance, annual or inactivity fee. Foreign transactions cost 0.5% in the EEA and Switzerland. ATM withdrawals are free for the first $100 each month, then 2% with a $1 minimum.
Related Reading
- KAST Card Cashback Math (2026): What 1.5% Is Really Worth
- Jupiter Card 2026: Why Your FX Fee Is 1% or 1.8%
- ether.fi Cash 3% Cashback in ETHFI: What You Actually Keep
